The savings app Digit is upping its offerings by adding a new feature to help users make progress in paying down credit card debt.

One of the best ways to save and pay bills on time is to automate it, which is the app’s raison d’être. Per the company’s press release: “By working in the background to chip away at it, Digit makes getting over the hurdle of debt less daunting and more manageable.” Here’s how Digit’s new feature, called Digit Pay, works:

Create a “credit card debt” goal in the app and activate Digit Pay. The app then sets aside money from your checking account (like it does normally for your saving goals).

It will then pay your credit card bill with that saved money.

The company says payments will post within two to three business days. If you want the app to save more, you can use the “Boost” command.

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Image: Digit

Alternatively, you could use an app like IFTTT (If This Then That) to automate your credit card payments, or set it up within your bank’s app. All of that is free, whereas the main downside of Digit when it comes to saving money is its $2.99/month fee after the 100-day introductory period.

But the benefit of using the app is that it will put aside money for you and then use that money to help you progress toward your goal of being debt-free—no action required. As Two Cents writer Kristin Wong wrote before, “Digit is unique in that it analyzes your actual spending and bills to figure out how much to save on its own.” With apps like IFTTT and Qapital, you set your own goals and savings rates.

What to Watch Out For

With any automatic bill pay, you’ll want to make sure that you have enough money in your checking to cover the transaction. With Digit Pay, it’s a bit different, because it’s only putting aside money that you have, and then using that to pay down your balance. So it’s certainly no a cure-all. If you have debt, you should make a repayment plan and make sure it’s not siphoning away more than what you can afford.

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And you’ll also want to make sure that automating the payments doesn’t lead to you forgetting to check your accounts. Set up payment alerts so you know that it’s working, and set a reminder to check in with your balances at regular intervals.